WindRelay Android Malware Turns Victims' Phones Into NFC Relays for Payment Fraud
Group-IB details WindRelay, a new Android NFC relay malware paired with SpyNote RAT to relay card data live for contactless payment fraud and loans.
Group-IB identified WindRelay, a previously unseen Android near-field-communication relay malware first seen in the wild in late August 2025, deployed alongside the SpyNote RAT in a contactless payment fraud scheme. Victims are lured via personalized phishing, smishing, or vishing into sideloading an app; SpyNote's Accessibility access silently installs WindRelay, whose reader component captures live EMV APDU card data over NFC and relays it via WebSocket C2 to an emulator component at a payment terminal. The scheme enables dual monetization: RAT-driven remote access to take out digital loans and NFC relay for physical card-present cashouts, known as Ghost Tap. Twenty-three WindRelay samples uploaded to VirusTotal between November 2025 and July 2026 impersonate financial institutions in Czechia, Slovakia, and Slovenia, with the technique also spreading to Brazil and Poland.
- NFC relay malware streams card data in real time to fraudster devices.
- SpyNote sideloads WindRelay silently via Accessibility Services without screen sharing.
- Personalized APKs indicate pre-call reconnaissance of victim names and numbers.
- Two payout channels used in one session: digital loan and card purchases.
- NFC relay (Ghost Tap) spread beyond Czechia to Brazil, Poland, and Slovakia.
From the original article
3 min read at thehackernews.com
A previously unseen Android near field communication ( NFC ) relay malware family dubbed WindRelay is being deployed in conjunction with a known remote access trojan (RAT) called SpyNote as part of a contactless payment fraud scheme. The purpose-built malware, according to Group-IB, is designed to capture live card data via NFC and transmit it to fraudsters in real time.
By @TheHackersNews · thehackernews.com
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